PlainZIP

Watertown, TN · standard

ZIP Code 37184

Wilson County, Tennessee - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,844
19/sq mi
$83,125
Median income
$346,900
Median home value
26.2%
Bachelor's or higher

The verdict

Watertown pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 34%
household income, US ZIPs
Top 27%
home value, US ZIPs
19
people per sq mi
85%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 37184 against every reporting US ZIP.

ZIP code 37184 is a mid-sized community (a standard USPS delivery area) in Watertown, Wilson County, Tennessee, home to 5,844 residents across 302.8 square miles, a density of 19 people per square mile, in the Chicago time zone.

ZIP 37184 lands in the middle-income range, with a median household income of $83,125 (25% above the Tennessee average), while per-capita income is $36,466. 16.6% of residents live below the poverty line, and the unemployment rate reads 1.9%. The typical home here is valued at $346,900 (40% above the state average); renters pay a median of $941 monthly, and 84.5% of units are owner-occupied.

Educational attainment sits below the national norm: 26.2% of adults hold a bachelor's degree or higher, the median age is 43.7, and the average commute is 32 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 3 additional ZIPs sharing Wilson County, so you can benchmark 37184 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 37184

Top 5 sectors by establishment count in Watertown, TN

Which industries have the most business establishments in ZIP 37184.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 37184, Watertown, TN · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

5,844

Population

302.8

Area (sq mi)

19

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 37184?

43.7

Median Age

49.8%

Male

50.2%

Female

0.9%

Foreign-Born

White 92.1%
African American 2.3%
Asian 1.6%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.7%
Hispanic or Latino 0.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$83,125

Median Household Income

+25% vs state

$36,466

Per Capita Income

16.6%

Poverty Rate

1.9%

Unemployment Rate

31.5 min

Mean Commute Time

How ZIP 37184 ranks nationally

Watertown, TN household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$83,125 Top 34% higher than 66% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 59.7%
Bachelor's Degree or Higher 26.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

3,097

Total Housing Units

2,914

Occupied Units

183

Vacant Units

2.50

Avg Household Size

Occupancy Type

Owner 84.5%
Renter 15.5%

$346,900

Median Home Value

+40% vs state

$941

Median Rent

1995

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+10.2%

YoY Change (2024)

338

HPI Index (2000 = 100)

+238%

Total Change Since 2000

Home values in ZIP 37184 have increased 10.2% over the past year (2024). Since 2000, this ZIP has seen +238% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.3% 209
2021 +12.5% 235
2022 +29.3% 304
2023 +0.7% 307
2024 +10.2% 338

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 86 business establishments in ZIP 37184, employing approximately 502 people with a combined annual payroll of $22,557,000.

86

Businesses

502

Employees

$22.6M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Construction 24 27.9%
Other services (except public administration) 15 17.4%
Retail trade 13 15.1%
Professional, scientific, and technical services 7 8.1%
Accommodation and food services 5 5.8%
Manufacturing 4 4.7%
Transportation and warehousing 4 4.7%
Finance and insurance 4 4.7%
Administrative and support and waste management and remediation services 4 4.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 37184 vs 37012 →

ZIP 37184 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 37184 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 37184 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 37184 ranks #2 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
37012 Alexandria, TN 2,292 8.0 mi
37016 Auburntown, TN 793 9.0 mi
38547 Brush Creek, TN 1,975 9.0 mi
38563 Gordonsville, TN 2,330 10.6 mi
37085 Lascassas, TN 4,035 11.7 mi

More ZIP Codes in Wilson County

37122 standard
Mount Juliet, TN
Pop: 46,463
37087 standard
Lebanon, TN
Pop: 41,132
37090 standard
Lebanon, TN
Pop: 12,922

Related Areas

Wilson County Watertown, TN Tennessee

Frequently Asked Questions

What county is ZIP code 37184 in? ▼
ZIP code 37184 (Watertown) is located in Wilson County, Tennessee. Wilson County contains multiple ZIP codes, see the full list at /counties/wilson-tn.
What is the population of ZIP code 37184? ▼
ZIP code 37184 in Watertown, TN has a population of 5,844 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 37184? ▼
The median household income in ZIP 37184 is $83,125, which is 9% above the national average of $76,288.
What is the average home value in ZIP 37184? ▼
The median home value in ZIP 37184 is $346,900, which is 25% above the national average of $278,155.
What is the demographic makeup of ZIP 37184? ▼
The largest racial group in ZIP 37184 is White at 92.1%. Hispanic or Latino residents make up 0.4% of the population.
How many businesses are in ZIP code 37184? ▼
ZIP code 37184 has 86 business establishments employing approximately 502 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 37184? ▼
The top industries by establishment count in ZIP 37184 are: Construction (24), Other services (except public administration) (15), Retail trade (13). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 37184? ▼
According to the FHFA House Price Index, home values in ZIP 37184 increased by 10.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 238%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 37184? ▼
In ZIP code 37184, 59.7% of residents aged 25+ have a high school diploma or higher, and 26.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 37184? ▼
The mean commute time for workers in ZIP code 37184 is 31.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 37184? ▼
In ZIP code 37184, approximately 84.5% of occupied housing units are owner-occupied and 15.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 37184? ▼
The poverty rate in ZIP code 37184 is 16.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.